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Depends on the specific insurance and the type of structural damage. The question is to vague to be answered adequately here.

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Q: Can your home owners insurance cover structural damage in your home?
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Yes, but it does depend on what the cause of the structural damage was. You need to look at your schedule of covered perils. Home owners insurance policies generally provide coverage for sudden accidental losses such as Fire, Wind, Hail, Falling objects, etc. See your policy schedule for a list of covered perils.

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